Podcast appearances and mentions of cindy zuniga sanchez

In this conversation, Nathalie and Cindy discuss how our Latinx community can overcome debt and achieve financial freedom. We discuss Cindy's book "⁠Overcoming Debt, Achieving Financial Freedom: 8 Pillars to Build Wealth⁠," where she shares her story of going from a negative six-figure net worth to a positive six-figure net worth. Get the book here! ⁠Support Local Bookstores via Bookshop⁠ ⁠Amazon⁠ ⁠Cindy Zuniga-Sanchez⁠ is the Founder of ⁠Zero-Based Budget⁠, where she offers personal finance education on saving, investing, and strategies for debt repayment. She has been featured in national media, including Good Morning America, Forbes, Business Insider, Kiplinger, and Bloomberg Opinion, and received her law degree from the Benjamin N. Cardozo School of Law. Ways to support Peruvians of USA:  Sign up for our newsletter - ⁠https://www.peruviansofusa.com/newsletter⁠ Visit our website for episode notes - ⁠https://www.peruviansofusa.com/episodes⁠ Give us a review on Apple Podcast or Spotify  Become a Listener Supporter - ⁠https://podcasters.spotify.com/pod/show/peruviansofusa/⁠ Visit our Online Store and help us change the narrative with our t-shirt: “El Mejor Amigo de un Peruano es otro peruano.” Also available in feminine (“peruana”) and gender-neutral (“peruanx”) versions - ⁠https://www.peruviansofusa.com/shop⁠ Follow Peruvians of USA Podcast on IG: ⁠@peruviansofusa⁠    Like our page on Facebook! - ⁠https://www.facebook.com/peruviansofusa --- Send in a voice message: https://podcasters.spotify.com/pod/show/peruviansofusa/message Support this podcast: https://podcasters.spotify.com/pod/show/peruviansofusa/support

In this replay episode, we revisit the most popular podcast episode of the year, where Victoria interviews Cindy, the brilliant mind behind the social media page Zero-Based Budget. If you're tired of the relentless cycle of living paycheck to paycheck and struggling to stick to a budget, then this episode is going to be a game-changer for you. Victoria delves into a comprehensive discussion with Cindy, extracting tips and insights on how to transform your finances. Cindy shares practical strategies to help you build a budget that not only aligns with your financial goals but is also sustainable in the long run. The episode is a wealth of information, covering topics ranging from identifying and cutting unnecessary expenses to maximizing savings through the best savings accounts. Cindy provides a roadmap for how to navigate the often-overwhelming journey of paying off debt, offering actionable steps to achieve a debt-free life. Tune in for a powerful conversation that could reshape your financial future. Whether you're a budgeting novice or someone looking to refine their financial strategy, this replay of the year's most beloved episode is a must-listen. Take control of your finances, break free from the paycheck-to-paycheck cycle, and embark on a path to financial freedom! Plus make sure you share this episode with someone who you know wants to elevate their finances. Links to Check Out! Purchase Cindy's Book Connect with Cindy Zuniga-Sanchez on Instagram Connect with Victoria on TikTok Connect with Victoria on Instagram Connect with GWGN on TikTok Connect with GWGN on Instagram  

[Rewind Episode] Cindy Zuniga-Sanchez, Esq. is a money coach, speaker, and the founder of Zero-Based Budget Coaching LLC. After graduating law school in 2015 with $215,000 of debt, Cindy documented her debt payoff journey on social media, while sharing the personal finance knowledge that she was learning in a simple and relatable way. She has spoken to thousands and coached hundreds on budgeting, saving, debt payoff, investing, credit, building generational wealth, and more. She is committed to helping millennial women create a realistic money plan to achieve financial freedom. She has partnered with the White House's National Economic Council to raise awareness on the American Rescue Plan and the Emergency Rental Assistance Program.In this episode you'll learn: The strategy Cindy used to pay off debt Why you should include family in your budgetThe importance of not inflating your lifestyle Connect with Cindy: Website: http://www.zero-basedbudget.com/ Social Media:https://www.instagram.com/zerobasedbudget/https://www.tiktok.com/@zerobasedbudgetConnect with us: Instagram: @richbyintention Twitter: @richbyintention Check out our website: Richbyintention.com

We're so excited to have Cindy Zuniga-Sanchez as our first interview to break our summer hiatus! In today's episode, we talk about creating a debt repayment plan... You've been consuming all the personal finance content, now it's time for action. Cindy lays out the step-by-step plan for taking this action and shares a few tips for getting your ready for the student loan payments to restart. About Cindy: Cindy is the daughter of immigrants, born and raised in a low-income community in the Bronx. She's a lawyer turned financial educator after tackling over $200,000 of debt from mostly law school loans, growing up without much financial literacy, she was overwhelmed at the thought of tackling her debt. She desired to build generational wealth but, with no real plan for managing my finances, felt hopeless. That's when she turned to the internet, podcasts, social media to learn all she could about money. In 2017, she started Zero-Based Budget Coaching LLC to document her debt journey and simplify the information for her community. Since then, she has become debt free, reached a multiple six-figure net worth, and is on a mission to help millennial women do the same. Learn more about Cindy: https://zero-basedbudget.com/ Follow Cindy on Instagram: @zerobasedbudget Follow Dannielle on Instagram: @firstgenmoney *The content on this podcast is not intended as financial, tax, or legal advice. All information provided is for educational purposes only.*

Are you curious about how to rise to the top 10% of your class and become a member of the law review? Or how law school exams differ from undergrad? How to become debt-free as a recent law school graduate? How about how to avoid debt before you even get into law school? Today's guest covers it all. Cindy Zuniga-Sanchez grew up the daughter of immigrants living in a one bedroom apartment in the Bronx with her parents and sisters. She attended undergrad on a full scholarship (including room and board), but by the time she graduated law school — with a partial scholarship, at the top 10% of her class, and as a member of the law review — she had accumulated over $215,000 debt. In our conversation, Cindy shares how she went from over $200,000 in debt to debt-free in 4 years, why she left a $300,000+ salary, along with the prestige and security of a BigLaw associate position, to bet on herself by expanding her own personal finance business. She wrote the book on financial freedom and generational wealth, literally, but started her journey with a simple google search: "how can I get out of debt?". Cindy shares insights from a path spanning from premed to interning for Hilary Clinton and Senator Chuck Schumer to creating her brand, ZeroBasedBudget, which has over 65,000 followers on Instagram and has been featured in national publications including Forbes, Business Insider, and Bloomberg Opinion. She has also been featured in national and local television including Good Morning America, The Rachael Ray Show, and Telemundo. She is incredibly humble and insightful. Whether you're prelaw, a recent law school graduate, or a seasoned attorney, this is not an interview you want to miss. Time stamps: + 1:24 How can we avoid going into debt as a law school student? + 5:30 Writing a personal finance book from the perspective of a daughter of immigrants, Latina, originally from a low income community in the Bronx + 7:30 How coming from a family of immigrants can be an advantage + 11:00 Cindy's perspective on BigLaw + 12:15 Overview of Cindy's path to law school (from premed with a full scholarship at Stony Brook University to Hilary Clinton's intern to dreaming of becoming the first US Latina Senator) + 13:30 How did Cindy graduate at the top 10% of her class? What was it like doing a part time program at Cardozo Law? + 15:00 The biggest thing that changed Cindy's life; How to take a law school exam + 17:00 Law school exams are important, but it doesn't stop there + 17:50 Outlining law school courses + utilizing office hours + 19:00 how to set and achieve goals (effectively) - in law school and budgeting; systems and habits; Atomic Habits (James Clear) + 22:10 The value of buffers; balancing the reading in law school; trying to cram outlines; identifying your triggers; curbing your anxiety + 24:45 What did you learn about BigLaw being in BigLaw as a commercial litigation attorney and what do you wish you knew before working in BigLaw? How does the OCI process work? What is a mock interview? + 29:10 How Cindy chose which BigLaw offer to accept and how she chose her practice area within law + 31:45 Mindset; low income community, 1 br apartment in the Bronx, first generation Latina; leaving a well-paying secure job; believing in yourself; not knowing any lawyers before law school; imposter syndrome; the American Dream + 34:23 How do you make the calculation to leave a 300k+ salary to become a full time entrepreneur? Sabbatical funds, emergency funds, her exact revenue, her online course (100K+ revenue), having a runway, 4x revenue + 39:54 What are the first steps for law school graduates who are in debt? + 45:18 Budgeting is just a plan for your finances + 45:54 3 Actionable Tips for the Listeners + 46:04 Start with Why + 48:17 The 30 Day Spending Challenge (date, amount, am I happy with how I spend my money?) + 51:15 Building the Habit + 53:23 The Book, "Overcoming Debt, Achieving Financial Freedom"; "What's your net net net worth" - Drake --- Support this podcast: https://podcasters.spotify.com/pod/show/beforeyoutakethelsat/support

In this conversation, Nathalie and Cindy discuss how our Latinx community can overcome debt and achieve financial freedom. We discuss Cindy's book "Overcoming Debt, Achieving Financial Freedom: 8 Pillars to Build Wealth," where she shares her story of going from a negative six-figure net worth to a positive six-figure net worth. Get the book here! Support Local Bookstores via Bookshop Amazon Cindy Zuniga-Sanchez is the Founder of Zero-Based Budget, where she offers personal finance education on saving, investing, and strategies for debt repayment. She has been featured in national media, including Good Morning America, Forbes, Business Insider, Kiplinger, and Bloomberg Opinion, and received her law degree from the Benjamin N. Cardozo School of Law. Ways to support Peruvians of USA:  Sign up for our newsletter - https://www.peruviansofusa.com/newsletter Visit our website for episode notes - https://www.peruviansofusa.com/episodes Give us a review on Apple Podcast or Spotify  Become a Listener Supporter - https://podcasters.spotify.com/pod/show/peruviansofusa/ Visit our Online Store and help us change the narrative with our t-shirt: “El Mejor Amigo de un Peruano es otro peruano.” Also available in feminine (“peruana”) and gender-neutral (“peruanx”) versions - https://www.peruviansofusa.com/shop Follow Peruvians of USA Podcast on IG: @peruviansofusa    Like our page on Facebook! - https://www.facebook.com/peruviansofusa --- Send in a voice message: https://podcasters.spotify.com/pod/show/peruviansofusa/message Support this podcast: https://podcasters.spotify.com/pod/show/peruviansofusa/support

Are you tired of living paycheck to paycheck? Have you tried to follow a budget, but you just can't stick with it? If so, this episode is for you! In this week's episode Victoria interviews Cindy, the creator of Zero Based Budget, to get tips on how we can better manage our finances. This episode is packed with a TON of information on how to build a budget you can stick to, tips on finding the best savings accounts to reach your savings goals, and how to pay of your debt so that you can live a debt-free life! Make sure to tune in and share this episode with a friend.

Attending law school is expensive. Listen to this podcast to hear about how Cindy paid off more than $200k in student loan debt -- which motivated her to write her new book. Yanely is joined by lawyer turned author Cindy Zuniga-Sanchez who talks about her new book Overcoming Debt, Achieving Financial Freedom: 8 Pillars to Build Wealth. Cindy breaks down the structure of her book, how she wrote it as a guide for her younger self, and how readers can best use it as a financial resource in their lives.  

This week we've got Cindy Zuniga-Sanchez. Cindy is a money coach, speaker, and author of Overcoming Debt, Achieving Financial Freedom: 8 Pillars to Build Wealth. Cindy is the founder of Zero-Based Budget Coaching, a personal finance education platform for millennial women. In this episode, we discuss the actionable blueprint of her book - overcoming debt and achieving financial freedom. We also talk about building wealth and managing your money.Links:Website: https://zero-basedbudget.com/contact/ Book Links:Overcoming Debt, Achieving Financial Freedom: 8 Pillars to Build Wealth 1st Edition by Cindy Zuniga-Sanchez Guest Social Links:LinkedIn: https://www.linkedin.com/in/cindy-zuniga-sanchez-bb738045/ Instagram:  https://www.instagram.com/zerobasedsbudget/Tiktok: https://www.tiktok.com/@zerobasedbudget Website: https://zero-basedbudget.comConnect with Brian Twitter, LinkedIn, & Instagram Join the Franchise Freedom community

I can't believe we've come to the end of Season 15 and that 2023 is just around the corner. To help me close out this season is Cindy Zuniga-Sanchez. Cindy is joining me on the show to discuss how her background as a child of immigrants shaped her money journey and sparked her passion for learning and teaching others about personal finance. Cindy Zuniga-Sanchez is an author, speaker, and founder of Zero-Based Budget Coaching LLC. In 2015, after racking up over $200k in student loan and credit card debt from her time at law school, Cindy decided to document her debt payoff journey on social media. This is exemplified in her new book, Overcoming Debt, Achieving Financial Freedom: 8 Pillars to Build Wealth, in which she shares her money story and provides readers with the roadmap she developed and used on her journey toward financial freedom. In this episode, Cindy shares how impactful her upbringing as a child of immigrants was on her financial journey and how it was able to help her avoid lifestyle creep once she started her career. We also discuss why we must define financial freedom for ourselves, instead of following other people's perceptions of it. I want to say a HUGE thank you to everyone for listening to this season of the show and to those who have continued to support the More Money Podcast for the past 7 years! I wouldn't be able to continue to make this podcast without you listening every week. I hope you have a wonderful holiday season and cheers to next season and 2023!  See you in January! For full episode show notes visit: https://jessicamoorhouse.com/350

What does financial freedom mean to you? For Cindy Zuniga-Sanchez, it meant being able to bet on herself and take the calculated risk of transitioning from  full-time attorney to full-time entrepreneur. She's here with us to share how she set herself up financially to make her life-changing career transition. If you're wondering how you should prepare your finances for full-time entrepreneurship, then this episode is for you!  Links Mentioned:Grab Cindy's new book! Overcoming Debt, Achieving Financial Freedom: 8 Pillars to Build WealthListen to #053: Cindy's $215,000 Debt Payoff StoryFollow Cindy on social media! IG and TikTok: @zerobasedbudget | Twitter: @ZBBCoachingLLC Follow Allison on Instagram! @inspiredbudget Read the full show notes here on the blog! Take my FREE class on How to Budget to Build wealth!

  What would you give to be your own boss? Would you give a $300k salary at a job you worked very hard for? Today's guest did just that! Candidly sharing her journey as a first generation American and a corporate attorney, today's guest, Cindy Zuniga-Sanchez, is here to share her story, how she conquered debt, became an entrepreneur and wrote a book! Cindy is part of the What It Takes series of Your Biggest Vision! In this series, I will be interviewing clients and entrepreneurs, and getting their insight on how their businesses are so successful, and how they did it. In this What It Takes interview, I will be chatting with Cindy Zuniga-Sanchez! Cindy has a beautiful story, and is using her passion and her experience with debt to fuel her own business.  Cindy has written a book, “Overcoming Debt, Achieving Financial Freedom: 8 Pillars to Build Wealth”, and it is available NOW!  Head on over to her website and her Instagram to learn more!    Want to stop playing small with your side hustle and make some real money, once and for all? This guide is based on my own case study of going from confused and frustrated with low, inconsistent income months, to building a side business that earns more than my 9-5 job. I'm pulling back the curtain on all the up-levels I did and how you can too. Download HERE!   (Click HERE to tune in!)  

Thanks, Nuuly! Go to Chelsea's Nuuly Link and use code TFD20 for $20 off your first month   Get $15 off at https://nutrafol.com when you use promo code TFC *** In this week's episode, Chelsea welcomes Cindy Zuniga Sanchez back to the pod to discuss her new book, paying off $200K debt, spending on luxury items and when spending on "experiences" becomes just as mindless as spending on things. Click here to get Cindy's book! https://bookshop.org/a/82703/9781119902324 MORE FROM TFD Join our membership program, The Society at TFD to get exclusive bonus content + access to tons of other perks: https://www.youtube.com/channel/UCSPYNpQ2fHv9HJ-q6MIMaPw/join The Financial Diet site: http://www.thefinancialdiet.com Facebook: https://www.facebook.com/thefinancialdiet Twitter: https://twitter.com/TFDiet Instagram: https://www.instagram.com/thefinancialdiet/?hl=en

Cindy Zuniga-Sanchez, founder of Zero-Based Budget, returns to So Money to share insights from her new book, Overcoming Debt, Achieving Financial Freedom. It chronicles her own debt freedom journey, as. well as her 8 pillars for building wealth. Learn more about your ad choices. Visit megaphone.fm/adchoices

When you think of financial freedom, what comes to mind? Overcoming debt and achieving financial freedom is within the reach of our Latino community. Nevertheless, there are some in our community who do not think it is possible because of our family history or actual circumstances. In this episode, our guest Cindy Zuniga-Sanchez who considers herself a financial translator for the Latino community shares with us why it is possible for the Latino community to overcome debt and achieve financial freedom. Cindy Zuniga-Sanchez, is a money coach, speaker, and the founder of Zero-Based Budget Coaching LLC. You will also hear the following in today's episode: What led her to immerse herself in the world of finance despite having thriving law career The story behind Cindy's dream to write a book and how “Overcoming Debt, Achieving Financial Freedom: 8 Pillars to Build Wealth.” came to be Who her book for and the key lessons we can expect For a quick recap of this episode go to http://www.jenhemphill.com/330NEW! Join our community on Facebook. Click Here! Want to get social? Let's connect more on Instagram @jenhemphill Grab your copy of My Daily Dinero Ritual and increase your money confidence here: https://jenhemphill.com/dinero The post, Overcoming Debt and Achieving Financial Freedom | HDM 330 appeared first on the Her Dinero Matters Podcast. This episode has been brought to you by First Republic Bank and McDonald's

When you think of financial freedom, what comes to mind? Overcoming debt and achieving financial freedom is within the reach of our Latino community. Nevertheless,  there are some  in our community who do not think it is possible because of our family history or actual circumstances. In this episode, our guest Cindy Zuniga-Sanchez who considers herself a financial translator for the Latino community shares with us why it is possible for the Latino community to overcome debt and achieve financial freedom.  Cindy Zuniga-Sanchez, is a money coach, speaker, and the founder of Zero-Based Budget Coaching LLC.  You will also hear the following in today's episode: What led her to immerse herself in the world of finance despite having thriving law career The story behind Cindy's dream to write a book and how “Overcoming Debt, Achieving Financial Freedom: 8 Pillars to Build Wealth.” came to be Who her book for and the key lessons we can expect For a quick recap of this episode go to http://www.jenhemphill.com/330   NEW! Join our community on Facebook. Click Here!   Want to get social? Let's connect more on Instagram @jenhemphill   Grab your copy of My Daily Dinero Ritual and increase your money confidence here: https://jenhemphill.com/dinero   The post, Overcoming Debt and Achieving Financial Freedom | HDM 330 appeared first on the Her Dinero Matters Podcast.

On today's podcast episode, Cindy Zuniga-Sanchez shares how you can be a conscious spender while building wealth! Cindy Zuniga-Sanchez, Esq. is a money coach, speaker, and the founder of Zero-Based Budget Coaching LLC. After graduating from law school in 2015 with $215,000 of debt, Cindy documented her debt payoff journey on social media, while sharing the personal finance knowledge that she was learning in a simple and relatable way. She has spoken to thousands and coached hundreds on budgeting, saving, debt payoff, investing, credit, building generational wealth, and more. She is committed to helping millennial women, particularly women of color, create a realistic money plan to achieve financial freedom WHAT CINDY DISCUSSED: - What inspired her to write her new book, Overcoming Debt, Achieving Financial Freedom: 8 Pillars To Build Wealth! - Her past relationship with money and spending - How consumerism in America has evolved, how it's impacting our ability to build wealth and key actions to take to avoid this issue - How to get clear on your value-based spending AND MUCH MORE HOW TO KEEP UP WITH CINDY: Via her website: https://www.zero-basedbudget.com On Instagram: @zerobasedbudget TikTok: @zerobasedbudget ❤ Get the best-selling Clever Girl Finance Books: https://clevergirlfinance.com/books ❤ Get access to 30+ free courses, worksheets, savings challenges, and our favorite banking resources: https://clevergirlfinance.com/course-packages/ ❤ Read the Clever Girl Finance Blog: https://clevergirlfinance.com/blog ❤ Follow us on Instagram: http://instagram.com/clevergirlfinance

Cindy Zuniga-Sanchez is the founder of Zero-Based Budget coaching LLC, which is a personal finance education platform for millennial women that are looking to achieve financial freedom. She got into the personal finance education space after graduating law school with over $200,000 of debt that she had to navigate paying off on her own. Recently, she has written the book Overcoming Debt, Achieving Financial Freedom: 8 Pillars to Build Wealth which is packed full of personal finance strategies and resources. There's something for everyone in our conversation about Cindy's journey and what it means to achieve financial freedom. Keep listening until the end to win a free copy of Overcoming Debt, Achieving Financial Freedom: 8 Pillars to Build Wealth. * Follow Cindy on IG @zerobasedbudget * Buy her book Overcoming Debt, Achieving Financial Freedom: 8 Pillars to Build Wealth * Find everything you need at www.keepwhatyouearn.com! https://www.keepwhatyouearn.com/ * Questions about this episode? Text me!: https://my.community.com/shannonweinsteincpa * Chat about this episode in the Keep What You Earn Community – http://keepwhatyouearn.circle.so * Hire us: https://www.fitnancialsolutions.com/accounting * Find me on IG @shannonweinstein * Meet me face-to-face on YouTube: https://www.youtube.com/channel/UCMlIuZsrllp1Uc_MlhriLvQ * Featured in Yahoo Finance! Read more here: https://finance.yahoo.com/news/10-bookkeepers-accountants-watch-2021-113800161.html The information contained in this podcast is intended for educational purposes only and is not individual tax advice. Please consult a qualified professional before implementing anything you learn.

Cindy Zuniga-Sanchez, Esq., founder of Zero-Based Budget and new author of “Overcoming Debt, Achieving Financial Freedom Book: 8 Pillars to Build Wealth,” joins the Journey To Launch podcast to discuss her upcoming book and quitting law to pursue entrepreneurship. We talk about how she was able to achieve Coast FIRE (Financial Independence Retire Early), leave her law firm to run her business full-time, and the importance of being transparent about your money and your vision with those you love and value. In this episode, we discuss: How Cindy took a balanced approach when paying off her $200k law school degree in 4 years The difficult decision Cindy had to make between practicing law and running her business + money transparency when choosing to be self-employed  Why you need “back up” funds to mitigate risk + take worst case scenarios into consideration if you're deciding to leave a secure job Budgeting strategies and techniques you can use to transform your finances (even if you don't like budgeting) What a career-shift conversation needs to look like with your partner and loved ones + more Other related blog posts/links mentioned in this episode: Overcoming Debt, Achieving Financial Freedom: 8 Pillars to Build Wealth Listen to Cindy's previous episode on the Journey to Launch Podcast- Episode 159- How Cindy Zuniga Paid Off $215,000 Of Debt In 48 Months Journeytolaunch.com/mystage   Check out my new personal website here. Join The Weekly Newsletter List Leave me a voicemail– Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! Watch me on News12  Watch my latest segments on News12 YNAB –  Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 34 days trial of YNAB, my go-to budgeting app by using my referral link. What stage of the financial journey are you on? Are you working on financial stability or work flexibility? Find out with this free assessment and get a curated list of the 10 next best episodes for you to listen to depending on your stage. Check it out here! Connect with Cindy: Website Instagram:@ZeroBasedBudget Twitter: @ZeroBasedBudget  Connect with me: Instagram: @Journeytolaunch Twitter: @JourneyToLaunch Facebook: @Journey To Launch Join the Private Facebook Group Join the Waitlist for My FI Course Get The Free Jumpstart Guide

Are you tired of living pay check to pay check? Have you tried to follow a budget, but you just can't stick with it? If so, this episode is for you! In this week's episode Victoria interviews Cindy, the creator of Zero Based Budget, to get tips on how we can better manage our finances. This episode is packed with a TON of information on how to build a budget you can stick to, tips on finding the best savings accounts to reach your savings goals, and how to pay of your debt so that you can live a debt-free life! Make sure to tune in and share this episode with a friend.

Welcome back to Celeb Talk Girl Talk Podcast! In today's episode, we have a special guest joining us, Cindy Zuniga-Sanchez! Cindy is a former Corporate Lawyer turned Entrepreneur (Coach, Speaker and Author). She is the founder of Zero-Based Budget where she shares her road to financial freedom!Girl Talk with Cindy Zuniga-Sanchez:How she got rid of her $250,000 debt in 48 monthsThe Blueprint to Financial Freedom (Digital Financial Course)Book dealFinal Thoughts:1. Current Favorite Song: Elevation Worship Playlist on Spotify2. Book Recommendation: Atomic Habits 3. Favorite Quote: God's got me4. Thoughts on Self-love: You have to love yourself if you ever expect to receive love from someone else 5. Advice to younger self: Pick up a personal finance book. Really learn about money!Want More?Follow our guest Cindy Zuniga-Sanchez @zerobasedbudget on InstagramFollow @celebtalkgirltalkpodcast on Instagram, TikTok, and YouTube.Follow Jaanais @jayrosexoxo on Instagram and TikTokFollow Natasha @natasha_fig on Instagram and @natashafigueroa1021 on TikTok Interested? Grab a Cup and Join the Talk!!!!!

Cindy Zuniga-Sanchez, Esq. is a money coach, speaker, and the founder of Zero-Based Budget Coaching LLC. After graduating law school in 2015 with $215,000 of debt, Cindy documented her debt payoff journey on social media, while sharing the personal finance knowledge that she was learning in a simple and relatable way. She has spoken to thousands and coached hundreds on budgeting, saving, debt payoff, investing, credit, building generational wealth, and more. She is committed to helping millennial women create a realistic money plan to achieve financial freedom. She has partnered with the White House's National Economic Council to raise awareness on the American Rescue Plan and the Emergency Rental Assistance Program.In this episode you'll learn: The strategy Cindy used to pay off debt Why you should include family in your budgetThe importance of not inflating your lifestyle Connect with Cindy: Website: http://www.zero-basedbudget.com/ Social Mediahttps://www.instagram.com/zerobasedbudget/https://www.tiktok.com/@zerobasedbudgetConnect with us: Instagram: @richbyintention Twitter: @richbyintention Website: https://www.richbyintention.comGet our FREE Cheat Sheet to Get on the Same Page about Money with Your Partner, Click Here. 

Breaking down student loan debt relief + methods for building toward financial freedom. Cindy Zuniga-Sanchez from Zero-Based Budget talks about her journey becoming a lawyer, paying back over $200,000 in student loan debt, and eventually launching her own business to support others working to achieve financial freedom.In this episode we cover:Taking the leap into entrepreneurshipImportant details about the recent student loan debt reliefSpecific resources related to debt reliefActionable tips to build toward financial freedom + building generational wealthUnderstanding the impact student loan debt has in communities of colorInformation for current students navigating student debt-Links to resources mentioned in the episode:https://www.ed.gov/subscriptions - Click the first box and subscribe to get updates re: student loan debt relief.https://studentaid.gov/ - Find out if you are a Pell Grant recipient. Login to your account and go to My Aid, and see your Loans and Grants.Pre-order Cindy Zuniga-Sanchez's book, "Overcoming Debt, Achieving Financial Freedom" from your local independent bookstore here.-Cindy Zuniga-Sanchez, Esq. is a money coach, speaker, and the founder of Zero-Based Budget Coaching LLC. She has spoken to thousands and coached hundreds on budgeting, saving, debt payoff, investing, credit, building generational wealth, and more. You can find her on Instagram and TikTok @zerobasedbudget and at www.zero-basedbudget.com.-Carmela Muzio Dormani, PhD - aka your host, Mela - is a sociologist, dancer, and creative consultant. Connect with Mela on IG @melamuzio or at MelaMuzio.com.Join the conversation!Follow @themillennialphd for up-to-date info on the podcast, blog, and creative resources. Or, email themillennialphd@gmail.com with feedback. Interested in starting your own podcast? I host The Millennial Phd on Buzzsprout and I love it because, for me, it was the easiest and most user-friendly podcast hosting site. Follow this link to sign up, and you'll automatically get a $20 Amazon gift card included in your sign up; plus, it helps support The Millennial PhD. Happy podcasting!Support the show

When you hear the word budget, do you cringe a little bit? Like oh, that sounds like a diet, or restriction, and doesn't sounds fun at all. If so, you're not alone because I tend to agree with you. I think you're going to really benefit from today's conversation with Cindy Zuniga-Sanchez. She shares with us how she has reframed the word "budget" to help herself overcome over $200,000 of debt in less than two years. I love her story and how practical it is and I love how simple she makes the process of getting started, which is often the hardest part of this journey. Cindy is a Bronx native. She's a former commercial litigation attorney and she underwent her own journey to pay off $215,000 of debt in 48 months. During the process, she adopted a mission to self-educate on the topic of finance and money management. She ended up documenting her journey through social media and she applied the lessons she learned, helping others through her social media following. Eventually, she began offering private coaching services. Cindy has spoken to thousands and coaches hundreds on the subjects of budgeting, savings, debt payoff, investing, and wealth-building. She's committed to helping millennial women, particularly women of color, create realistic money plans to achieve their own financial freedom.   >>> Connect with Cindy on IG @zerobasedbudget >>> Visit her website: www.zero-basedbudget.com   >>> Questions about this episode? Text me!: https://my.community.com/shannonweinsteincpa >>> Chat About This Episode in the Keep What You Earn Community – http://keepwhatyouearn.circle.so >>> Hire us!: https://www.fitnancialsolutions.com/accounting >>> Find me on IG @shannonweinstein: https://www.instagram.com/shannonkweinstein >>> Catch me in-person on YouTube: https://www.youtube.com/channel/UCMlIuZsrllp1Uc_MlhriLvQ >>> Featured in Yahoo Finance! Read more here: https://finance.yahoo.com/news/10-bookkeepers-accountants-watch-2021-113800161.html     The information contained in this podcast is intended for educational purposes only and is not individual tax advice. Please consult a qualified professional before implementing anything you learn.

Christina, a 32-year-old healthcare worker in Reno, Nevada, is struggling to pay off her five-figure credit card debt while also supporting her children and helping her mother financially. To offer guidance to Christina and others like her, host Stefanie O'Connell Rodriguez interviews financial coach Cindy Zuniga-Sanchez about how she balanced paying off $215,000 of debt while offering financial assistance to her own family. If you have a money story or question to share, you can send us an email at money.confidential@realsimple.com. You can also leave us a voicemail at ‪(929) 352-4106‬.  Learn more about your ad choices. Visit megaphone.fm/adchoices

After graduating law school in 2015 with $215,000 of debt, Cindy Zuniga-Sanchez committed to becoming financially literate and taking control of her finances. In 2018, she launched her social media account on Instagram, @zerobasedbudget, to document her debt payoff journey and simplify personal finance concepts. Cindy then founded her business, Zero-Based Budget Coaching LLC, where she speaks to thousands and coaches hundreds on budgeting, saving, debt payoff, investing, building generational wealth, and more. Cindy has been featured in national publications including Forbes, Good Morning America and The Rachael Ray Show.  Cindy practiced law as a commercial litigation attorney before diving into full-time entrepreneurship. She is a graduate of Stony Brook University and obtained her Juris Doctor degree from the Benjamin N. Cardozo School of Law. She was born, raised, and currently resides in the Bronx, New York. Follow Cindy on Instagram and her website. Learn about her signature course: The Blueprint to Financial Freedom. Learn more about your ad choices. Visit podcastchoices.com/adchoices

Stephanie and Travis finally talk about their “conversation” a couple of weeks ago that had Stephanie on edge during episode 008. They share hard to swallow truths about their financial struggles and the reality of becoming a one income household. At a time they desperately need a financial reset, they invite financial expert Cindy Zuniga-Sanchez, founder of Zero Based Budget Coaching LLC to discuss financial literacy. Cindy has created a financial literacy program that she calls The Blueprint to Financial Freedom AKA your money BFF. She goes into detail about the value of her program, her unique voice in the world of finance, as well as tips for anyone looking for ways to get their partner on board with creating a path to financial success.

Christina, a 32-year-old healthcare worker in Reno, Nevada, is struggling to pay off her five-figure credit card debt while also supporting her children and helping her mother financially. To offer guidance to Christina and others like her, host Stefanie O’Connell Rodriguez interviews financial coach Cindy Zuniga-Sanchez about how she balanced paying off $215,000 of debt while offering financial assistance to her own family.

We are so blessed to have Cindy Zuniga-Sanchez join us for this conversation, especially on Financial Literacy month! In this episode we got to talk about financial plans, wisdom, and barriers. We got to talk about what the Bible says about money and Cindy's personal testimony of how she got out of $200,000+ debt in just 48 months! Connect with Cindy: -Follow her on IG: instagram.com/zerobasedbudget -Check out her website: www.zero-basedbudget.com/ Connect with us: -Follow host - Pricelis: instagram.com/pricelispd -Follow our community: instagram.com/we.are.full -Join our email list: wearefullcollective.com/email-sign-up -Check out our website: wearefullcollective.com